| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $183K | $327K | $510K | 2.50% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $32K | $58K | $90K | 2.75% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $353K | $95 | $353K | 12.15% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47K | $47K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $97K | — | $97K | 4.00% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $42K | — | $42K | 1.75% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 52556 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | — | $79K | 5.22% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $99K | — | $99K | 10.00% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129K | — | $129K | 20.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $159 | — | $159 | 2.29% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $107 | — | $107 | 1.54% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $662 | $95 | $757 | 18.84% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 1.72% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 841112006 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | — | $9 | 0.22% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 39,598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 532 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 40,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 47,998 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 40,157 | $22.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 40,157 | $20.4M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 40,157 | $23.7M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 40,157 | $27.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,998 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.